Ezi ntlawulo zerhafu zisasebenza ngeentlawulo zakho ze-2017.
I-rhu lumente karhulumente irhafu yengeniso esebenzisa isiqhelo esiphathelene ne-US Ngokomnyaka werhafu ka-2017, irhafu yerhafu yengeniso iqala kwii-10 zeepesenti kwaye ikhula ngokwaneleyo ukuya kuma-15 ekhulwini, ama-25 ekhulwini, ama-28 ekhulwini, ibe ngama-33 ekhulwini kunye nama-35 ekhulwini ngaphambi kokufikelela izinga eliphezulu lama-39.6 ekhulwini.
Intlawulo nganye yerhafu isebenza kwinqanaba elithile lemali engenayo. Olu hlobo lubizwa ngokuba yi- bracket bracket . Xa nganye ibhakhti yerhafu iqala kwaye iphela ixhomekeke kwisimo sokufaka umntu. Iirhafu zerhafu ziyahlukahluka ngokuxhomekeka kwintlobo yomvuzo. Iirhafu eziqhelekileyo zerhafu ziyasebenza kwiintlobo ezininzi zentlawulo. Ishedyuli yerhafu eyahlukileyo isetyenziswa kwingeniso evela kwixesha elide elizuzayo kunye neengeniso ezifanelekileyo.
Masiqale sifumane uluhlu lwazo zonke iirhafu zonyaka wonyaka we-2017. Iitshathi ezingezantsi, ziqokelelwe ngokufaka ifom yefayile, zibonise iirhafu zerhafu kwi-column yokuqala, ixabiso lentengo yexesha elide kunye neengeniso ezifanelekileyo kwixesha lesibini ikholomu, kunye namanqanaba engeniso ukuba la maxabiso afaka kwikholam yesithathu.
Kubalulekile ukuba uqaphele ukuba ixabiso leedola limele umvuzo ohlawulwayo, oyingeniso yemali emva kokuncitshiswa kwahlukeneyo kuye kwasuswa.
Iikharati zeRhafu zerhafu zikwahlula ngoBume beFayile:
Amabhanki angenayo ahlawulwayo | ||
Inkcitho eqhelekileyo | Ixesha elide loNcedo lweNkunzi kunye neSahlulo esifanelekileyo | Imali engenayo engenayo |
10% | 0% | $ 0 ukuya kwi-9,325 |
15% | 0% | $ 9,325 ukuya kuma-37,950 |
25% | 15% | $ 37,950 ukuya kwii-91,900 zamaRandi |
28% | 15% | $ 91,900 ukuya kwii-191,650 zamaRandi |
33% | 15% | $ 191,650 ukuya kwii-416,700 zamaRandi |
35% | 15% | $ 416,700 ukuya kwii-418,400 zamaRandi |
39.6% | 20% | $ 418,400 |
Iintloko zeeNkxaso zeNgeniso zentlawulo zezindlu | ||
Inkcitho eqhelekileyo | Ixesha elide loNcedo lweNkunzi kunye neSahlulo esifanelekileyo | Imali engenayo engenayo |
10% | 0% | $ 0 ukuya kwi-13,350 |
15% | 0% | $ 13,350 ukuya kuma-50,800 |
25% | 15% | $ 50,800 ukuya kuma-131,200 |
28% | 15% | $ 131,200 ukuya kwii-212,500 zamaRandi |
33% | 15% | $ 212,500 ukuya kwii-416,700 zamaRandi |
35% | 15% | $ 416,700 ukuya kuma-444,550 |
39.6% | 20% | $ 444,550 + |
Utshatile Ukuzalisa Iibhanki Zemali Ezihlawulwa Ngaphandle | ||
Inkcitho eqhelekileyo | Ixesha elide loNcedo lweNkunzi kunye neSahlulo esifanelekileyo | Imali engenayo engenayo |
10% | 0% | $ 0 ukuya kwi-9,325 |
15% | 0% | $ 9,325 ukuya kuma-37,950 |
25% | 15% | $ 37,950 ukuya ku-76,550 |
28% | 15% | $ 76,550 ukuya kuma-116,675 ayi-$ |
33% | 15% | US $ 116,675 ukuya kuma-208,350 ayi-$ |
35% | 15% | $ 208,350 ukuya kuma-235,350 |
39.6% | 20% | $ 235,350 + |
Ukutshata Abafowenu kunye nabaQhathaniswayo Abahlolokazi / Abafelokazi Abafelokazi | ||
Inkcitho eqhelekileyo | Ixesha elide loNcedo lweNkunzi kunye neSahlulo esifanelekileyo | Imali engenayo engenayo |
10% | 0% | $ 0 ukuya kwi-18,650 |
15% | 0% | $ 18,650 ukuya kuma-75,900 |
25% | 15% | I $ 75,900 ukuya kwi-153,100 |
28% | 15% | $ 153,100 ukuya kuma-233,350 |
33% | 15% | $ 233,350 ukuya kwii-416,700 zamaRandi |
35% | 15% | $ 416,700 ukuya kuma-470,700 |
39.6% | 20% | $ 470,700 |
Le ntlawulo yereyithi yentlawulo igxininisa umatshini weendlela zokubala irhafu yengeniso. Siqala ngokuqikelela imali engenayo yentlawulo yomntu, kwaye emva kokuba sesifumene ukuba yeyiphi i-bracket engenayo imali engenayo, siyasebenza ngaphaya komgca ukusuka kwesobunxele kuya kwesokudla.
2017 Iifom zeRhafu eziqhelekileyo kwiNdlela yokuFundela | |||
Ukuba Ingeniso Yakho Ehlawulwayo iphakathi | Susa iNgeniso yakho ehlawulwayo | Yandisa inani | Inani elongezelelweyo |
$ 0 ne $ 9,325 | Imali engenayo engenayo Imali engama-$ 0 | × 10% | $ 0 |
$ 9,325 kunye ne-37,950 | Ingeniso ehlawulwayo engenayo Imali engama-$ 9,325 | × 15% | $ 932.50 |
$ 37,950 kunye ne 91,900 zamaRandi | Ingeniso ehlawulwayo Ingeniso engama-37,950 | × 25% | $ 5,226.25 |
$ 91,900 kunye ne-191,650 yezigidi | Ingeniso ehlawulwayo engenayo Imali engamaRandi angama-91,900 | × 28% | $ 18,713.75 |
$ 191,650 kunye ne-416,700 yezigidi | Ingeniso ehlawulwayo engenayo Imali engama-$ 191,650 | × 33% | $ 46,643.75 |
$ 416,700 kunye ne-418,400 yezigidi | Ingeniso ehlawulwayo Ingeniso engama-416,700 | × 35% | $ 120,910.25 |
$ 418,400 | Ingeniso ehlawulwayo ingenayo imali engama-418,400 | × 39.6% | $ 121,505.25 |
(Ukuze kube lula, le tshathi ithatha ukuba yonke imali engenayo iyimali engenayo ngokuqhelekileyo, ingengeniso yemali engenayo.)
Ukusebenzisa le tafile, sithatha ingeniso ehlawulwayo kwaye sithatha isixa apho i-bracket efanelekileyo eqala kwiikholamu zokuqala ezimbini. Oku kushiya nje ingeniso ehlawulwayo yerhafu ngaphakathi kwelo bhokisi. Siyandisa le mali ngenani lentlawulo yeso sikiti kwikholamu yesithathu. Le yintlawulo yerhafu kwimali engenayo ngaphakathi kwelo bhokisi yeerhafu. Siyongeza kule mali ityala lentlangano elongezelelweyo kwimali engenayo ewela kumaxabiso athatshana aphantsi - le mali iboniswe kwikholeshi yesine. Oku kubangela inani lemali yentlawulo yombuso kumqolo wokugqibela.
Ngokomzekelo, cinga ukuba u-Edith, umntu ongenamntu, unokufumana ingeniso yerhafu ye-$ 100,000. Oku kungena kwibhonksi yerhafu yesine, ephuma kwi $ 91,900 ukuya kwii-191,650 zeerhafu ezihlawulwayo.
Ukucinga ukuba yonke ingeniso ka-Edith iyaxhomekeka kwiirhafu eziqhelekileyo zerhafu, siya kubala irhafu yengeniso yakhe yenkxaso-mali njengale:
Umzekelo:
Ukuba ingeniso yakho ehlawulwa irhafu i-$ 100,000 , ke iyafaneleka kwi- bracket phakathi kwe-91,900 zamaRandi kunye ne-191,650 yezigidi . Ukukhupha i-$ 100,000 engaphantsi kwinqanaba elingaphantsi kwe-bracket (i-91,900 zamaRandi) malunga ne-8,100 yemali-ingeniso epheleleyo ewela kulo mgca. Oku kwandiswa ngelizinga le-bracket (iipesenti ezingama-28) ukufumana i-$ 2,268. Yongeza imali eyongezelelweyo kwikholam yokugqibela ye-$ 18,713.75 - irhafu epheleleyo ehlawulwa kwingeniso yakhe ewela kwiibhanki eziphantsi zerhafu - isamba sokugqibela se-$ 20,981.75.
Iziphumo zokubala kwethu:
- U-Edith unembopheleleko yokuhlawula i-$ 20,981.75 yerhafu yengeniso yomthetho kwiholo elingeniso le-100,000.
- Ingeniso ehlawulwayo ka-Edith ingena kwi-bracket ye-28 yepesenti.
- Ingeniso yakhe ngaphezu kwama-91,150 ayihlawuliswa kwizinga le-28 ekhulwini.
- Yonke ingeniso yayo ihlawuliswa kwii-10 zeepesenti ezantsi, iipesenti ezili-15 kunye neepesenti ezingama-25.
- Umyinge osebenzayo okanye olinganiselweyo werhafu umyinge we-Edith ngumlinganiselo wakhe werhafu olwahlukileyo, owe-20,981.75 ohlukaniswe ngama-100,000 afana nama-20.98175 ekhulwini. Le ntlawulo yerhafu esebenzayo yinkomfa yazo zonke iirhafu zerhafu ezisebenzayo kwingeniso yakhe.
Ezinye iirhafu zerhafu kwi-2017
Ukongeza kwerhafu yengeniso ye-federal kwingeniso eqhelekileyo, kukho ezinye iirhafu ezingafaka isicelo kwingeniso yakho:
- Ireyiti yentlawulo yeNtlalo yoKhuseleko i-12,4 ekhulwini kwimvuzo kunye neyengeniso yengqesho ukuya kwiNkcazo yeNkcazo yeNhlalakahle yeNhlalakahle eyi-127,200. Oku kuthetha ukuba irhafu yentlawulo yeNtlalo ehlawulwe ngabasebenzi i-$ 7,886.40, ubuninzi obuhlawulwa ngabaqeshi ngu-7 886.40, kwaye ubuninzi obuhlawulwa ngabantu abaqeshwe ngabangama-$ 15,772.80.
- I- Medicare irhafu yerhafu yi-2.9 ekhulwini kumvuzo kunye nokufumana ingqesho.
- Isongezelelo semali yentlawulo yongezelelweyo i-0.9 yepesenti kwimvuzo kunye nengeniso yokuqashwa kwabasebenzi kule miqathango elandelayo: Utshatile ukuzalisa ama-250,000, i-Single okanye iNtloko yoMndeni okanye umhlolokazi ofanelekayo (er) i-$ 200,000, kunye nowabelana ngokulinganisa ama-$ 125,000.
- Inqanaba elincinci leRhafu: iipesenti ezingama-26 kwimali engenayo engenayo (njengoko ilandelwe phantsi kwemithetho ye-AMT) phantsi kwe-$ 93,900; Iipesenti ezingama-28 kwi-AMT engenayo irhafu engenayo ngaphezu kwama-93,900. Ukungahlali, iNtloko yeMakhaya, Ukutshata ngokuBambisana, kunye noMhlolokazi oFanelekileyo (er): iipesenti ezingama-26 kwi-AMT engenayo imali engenayo phantsi kwe-$ 187,800; Iipesenti ezingama-28 kwi-AMT engenayo irhafu engenayo ngaphezu kweedola ezingama-187,800.
- Ingeniso-mali yentlawulo yerhafu ityala kwizinga elingaphantsi kwe-3.8 ekhulwini kwi-mali engaphantsi kwemali yokutsalwa kwetyala okanye inzuzo engaguquguqukiyo ehlawulweyo kwimigangatho elandelayo: Ukutshata ngokutshatyalaliswa ngokubambisana okanye umfelokazi ofanelekileyo (er) $ 250,000, ongatshatanga okanye oyintloko wezindlu ezingama-200,000 zamawaka, kunye nowabelana ngokulinganisa amawaka angama-125,000.
- Izindleko zentlawulo yeNtlawulo yeNtlawulo ziyahlukahluka kuxhomekeke ekubeni ingaba izuzwana lifutshane okanye ixesha elide. Iifutshane zexesha elifutshane zihlawulwa irhafu yengeniso. Ukuzuza kwexesha elide kunye neengeniso ezifanelekileyo ezihlawuliswa kwi-0% xa i-engenayo ehlawulwayo ingena kwi-10 ukuya kwi-15 ekhulwini. Oku kunyuka kuya kuma-15 ekhulwini xa imali engenayo ehlawulwayo ingena kuma-25, 28, 33 okanye ama-35 ekhulwini abhalisiweyo bentela, kunye nama-20 epesenti xa imali engenayo ehlawulwayo iwela kwi-bracket engama-39.6 ekhulwini. Iireyithi zerhafu ziyi-25 ekhulwini kwixabiso lokuhla kwexabiso, ama-28 ekhulwini kwii-collections kunye neepesenti ezingama-28 kwiimpahla zentengiso ezincinane emva kokungabikho.
Indlela yokusebenzisa iiRhafu zakho zentlawulo ephantsi
Abantu ngabanye bangasebenzisa iishedyuli zerhafu ngeendlela eziliqela zokuncedisa imali yabo. Ungasebenzisa le ntlawulo yeerhafu ukufumana ukuba unjani umvuzo oza kuwuhlawulela kwingeniso eyongezelelweyo oyifumanayo. Umntu ohlawula irhafu kwi-bhakethi yeerhafu yeepesenti ezingama-25, ingeniso eyongezelelweyo iya kuhlawuliswa kwipesenti ezingama-25 de ingeniso yomhlawuli werhafu ifikelela kwibhakethi yentela elandelayo yama-28 ekhulwini.
Khumbula ukuba iinkqubo ezahlukeneyo zengeniso zihlawulwa kwiirhafu ezahlukeneyo. Ixesha lokungeniswa kwemali apho amaxabiso afaka isicelo asekelwe kwisimo sokufakela komntu.
Ungasebenzisa le ntlawulo yeerhafu ukufumana ukuba uninzi lwerhafu oza kulondoloza ngokunyusa amaxabiso akho. Umhlawuli-ntlawulo kwi-bracket ye-28 yepesenti iya kugcina iisenti ezingama-28 kwerhafu yombuso kwi-dollar nganye esetyenzisiweyo kwiindleko ezirhoxisiweyo zerhafu, njengenzuzo yomhlalaphantsi okanye inceba.
Amanani entlawulo esezantsi asebenzisana namanye amanani erhafu, ingakumbi irhafu encinci yerhafu. Imisebenzi yerhafu encinci yokuphelisa irhafu yerhafu yeentlobo ezithile zokuncitshiswa.
Umthombo: Iibhakethi zerhafu ezisemthethweni zonyaka we-2017 zipapashwa yiNkonzo yangaphakathi yeNgeniso kwiNkqubo yeNgeniso ye-Revenue 2016-55 .
Nceda uqhagamshelane neempendulo zokubhalwa kweerhafu kwii-2017 Izikhokelo zeFom 1040 kunye nee- Tables ze-2017 zeRhafu zokulinganisa irhafu yakho yerhafu yengeniso .